When we first got our dog as a puppy two years ago, we decided to insure him (since he got into everything!)...at the same time, we insured our cat Max who was 8 1/2 at the time. I was nervous they wouldn't want to insure him because of his age, but it was no problem. A year and a half later, Max had congestive heart failure. Long story short, we were able to control the problem quite well with medication for about 6 months before having to let him go. During that time, he had two echocardiograms, fluid drained from his lungs twice, and multiple x-rays, among other things. Trupanion reimbursed us for nearly everything, and the process was a piece of cake. What's more, the insurance agent who processed our final claim for Max noticed that "Euthanaisa" was included...and took it upon herself to contact customer service and have them cancel his policy, effective the date we put him to sleep. I was so grateful for that...for some reason, the idea of cancelling his policy upset me too much to do it right away, so I figured we would just pay the extra month's premium. As it turns out, I didn't have to do anything - they took care of it all. I was iffy about paying insurance for our pets, but I'm so glad we did...now I recommend them to everyone.